Independent, Fee Free Mortgage Advice in Paddington, from Our Expert Mortgage Brokers and Advisors

Fee free mortgage advice means you will not pay us any fees directly for our services. Instead, we receive a procuration fee from the lender upon completion of your mortgage. This approach allows us to deliver professional, independent, and regulated advice without any cost to you. Our focus is entirely on securing the most suitable mortgage deal for your needs, not on charging upfront fees.

We operate across the entire market, meaning we are not tied to specific banks or building societies. Our advisers will review your income, outgoings, credit profile, deposit, and long-term plans to match you with competitive mortgage deals. We also assist with paperwork, obtain an Agreement in Principle, liaise with solicitors, and ensure your application progresses smoothly from start to finish.

Whether you’re a first-time buyer, home mover, or experienced investor, our fee-free model gives you peace of mind that the advice you’re receiving is truly in your best interests. With the rising cost of living and high property prices in Canary Wharf, not paying adviser fees can represent meaningful savings at a time when every pound counts.

Yes, you absolutely can. Mortgage lenders assess self-employed applicants differently to salaried employees, but many specialist lenders cater to this segment. If you’re a sole trader, limited company director, or contractor, you'll usually need to provide:

Two years’ worth of SA302s or tax calculations

Company accounts (if applicable)

Evidence of retained profits and dividends

A stable trading history

Some lenders will accept just one year of accounts, especially if you're an experienced professional with predictable income. Mortgage advisors familiar with the Paddington market can present your case to lenders that understand self-employed earnings. Our brokers work with mainstream and specialist lenders to ensure you’re matched with a provider who considers your full financial picture.

Additionally, self-employed buyers benefit from expert guidance on expenses, affordability criteria, and how to optimise their application. Let us simplify the process while you focus on your business.

First-time buyers in Canary Wharf have access to a broad range of mortgage products designed to make home ownership more accessible. These include:

95% Loan-to-Value (LTV) Mortgages: Only a 5% deposit required

Shared Ownership Mortgages: Part buy, part rent schemes often used in new developments

Joint Borrower, Sole Proprietor Mortgages: Useful for parents helping children onto the property ladder

Guarantor Mortgages: Where a family member supports the loan

Help to Buy (where still applicable)

Lenders will typically assess your credit history, income, employment stability, and overall affordability. Canary Wharf properties are often high value, so some buyers may require specialist advice for mortgages above standard loan thresholds.

Our advisers help you understand eligibility, documentation, and the differences between repayment and interest-only options. We can also explain the process for obtaining an Agreement in Principle, which strengthens your offer when bidding for property. Additionally, we’ll guide you through the nuances of buying new-builds, which often have stricter lending criteria.

With our help, you can make informed decisions, avoid common first-time buyer pitfalls, and secure the best mortgage offer for your needs — all at no cost.

Yes, Canary Wharf is one of London’s premier buy-to-let hotspots due to its high rental demand, consistent yields, and strong tenant profiles. Professionals working in finance, law, tech, and consultancy seek modern homes with amenities close to their offices. This ensures a steady stream of quality tenants.

According to the ONS, over 38% of households in Tower Hamlets are in the private rented sector, significantly above the national average. The area also boasts a young population with a median age of just 30, reflecting a mobile and career-focused demographic. High-rise developments often include gyms, concierges, and communal spaces, which appeal to high-earning renters.

Landlords in Canary Wharf may benefit from:

Strong rental yields

High capital growth potential

Minimal void periods

Tenants seeking long-term leases

However, lenders have stricter criteria for buy-to-let mortgages, including rental stress testing and minimum income levels. Our advisers help you navigate these requirements, choose the right lender, and assess repayment vs interest-only options. Whether you’re a first-time landlord or managing a portfolio, we offer expert support tailored to Canary Wharf’s market.

Paddington has strong credentials as an investment location. The arrival of Crossrail (Elizabeth Line) has dramatically improved connectivity to the City and Canary Wharf, boosting buyer demand and rental yields. According to ONS data, average property prices in Westminster have risen significantly over the last decade.

Regeneration around Paddington Basin and St. Mary’s Hospital has added modern housing stock and amenities, appealing to both owner-occupiers and investors. Rental values remain high, with average monthly rents above £3,200. Buy-to-let yields may range from 3.5% to 5% depending on property type and location.

Investors should also consider the area’s enduring appeal to professionals, students (due to proximity to institutions like Imperial College), and international tenants. While property prices are premium, the long-term capital growth potential is considerable. Mortgage advisors can help structure your mortgage for investment efficiency.